Median home value in zip code 12866 (Saratoga Springs, NY) is $617,683, up 2.7% year over year. Part of the Albany-Schenectady-Troy, NY metropolitan area.

Home Value$617,683

YoY Change

+2.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 12866 (Saratoga Springs).

Income (annual)

Down Payment

$123,537 on $617,683

Example: $75,000 household income. Change it above to see your own.

Out of reach66.5% of income

Need $178,243/yr to afford.

PITI$4,159

P/I66.5%

Afford$260K

Gap-$358K

P&I $3,123Tax $885Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

12866 is part of the Albany-Schenectady-Troy, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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